What Does My Smoke Damage Insurance Claim Cover?

Following a building or house fire, the damages extend far beyond the flames. Apart from the obvious destruction, there is the lingering presence of smoke in every corner of your property. It can cause further damage to your home or commercial property and even to your health.

While the fire can be contained, the smoke can permeate the surfaces of your building, reduce the quality of indoor air, and cause further damage to your belongings. So, if your property has faced a fire of any size, it is crucial to understand the effects of associated smoke damage. This will help you file the smoke damage insurance claim accurately.

To learn more and for help reviewing your claim, contact us at Claims Adjusters today. Serving residential and commercial clients throughout Missouri, Kansas, Illinois, Florida, and Texas with their smoke and fire damage insurance claims, our expert insurance adjuster services can help you recover the settlement you deserve.

What Exactly is a Smoke Damage Insurance Claim and When Is It Filed?

As the name suggests, a smoke damage insurance claim is an insurance claim that covers losses caused by smoke resulting from a fire.

Filing a smoke damage insurance claim becomes necessary when your residential or commercial property has been destroyed by smoke from a fire, even if the fire itself was small. Even if a fire is contained, smoke can cause a lot of damage to your property and belongings. Thus, it is essential to evaluate the extent of the damage and submit a claim for reimbursement for any repairs or cleaning that needs to be done.

Types of Smoke Damages That Your Smoke Damage Insurance Claim Might Cover

Smoke damage can show up in multiple ways, impacting both the building itself and the items inside. Here are a few examples of smoke damage that might be covered by your smoke damage insurance claim:

• Structural damage including damaged walls, electrical wiring, and corroded metals
• Damage related to personal belongings like furniture, clothes, electronics, paintings, and other family heirlooms
• Residue and soot build up
• Damage related to the HVAC system of the building
• Damage to finishings like carpet, wallpaper, curtains, etc

Why Do You Require a Public Claims Adjuster for Your Smoke Damage Insurance Claim?

Navigating the complicated process of filing a smoke damage insurance claim can be a daunting task. Further, insurance companies usually try to minimize the settlement and pay out as little amount as possible. Their insurance claims adjuster will almost always try to estimate the damage to be a much lesser value than it actually is.

This is why you need an experienced public claims adjuster on your side. They can conduct an impartial and thorough evaluation of your property and record the damages accurately. A commercial public adjuster presents various evidence including written reports, photographs, videos, etc. to ensure you get a fair claim settlement. They will even negotiate with your insurance company to ensure you receive an equitable settlement for your smoke damage insurance claim and are not underpaid.

Hire the Best Public Claims Adjuster to File Your Insurance Claim

Claims Adjusters is a renowned public insurance claim adjuster company offering services throughout Missouri, Illinois, Kansas, Texas, Florida, and beyond. As your trusted public adjusters, we offer a personalized approach to smoke damage insurance claim settlement. This helps us ensure you get the maximum compensation you deserve. Contact us today to find out more about our services or request a free consultation.